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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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IDEM Claim Form - My MBNA Credit Card Debt


blondiegirl
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Thanks

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You certainly don't wait to cease payments, this should be done asap

 

What you are looking for are any regulatory breaches in the handling of the account

 

However once you cease payments you will have plenty of time

as you will have to sit on your hands for a few months

in order to let them incriminate themselves

 

Forget about the credit agreements for now, we can have a look when they reply to your cca requests

 

It would be useful if you could upload minus personal details

 

The narrative from the MBNA SAR for the few months prior to the sale to Idem

The narrative from the Idem SARs

and any letters sent by you to Idem and their replies

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks, and payments have now ceased!!!!!

 

They have replied to my CCA requests and sent 3 x signed copies of signed agreements.

 

I uploaded one on here which was almost impossible to read (I can hardly read it).

 

Not sure if they're simply application forms or actual agreements

- there are pages of info attached.

 

I will upload them once I've blanked off the names etc, but as with the other, they're hard to read.

 

I will search through the SARs prior to the sale.

- BlondieGirl

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Better to scan up the comms/account log

One multi page PDF please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi everyone,

 

So we ceased payments to Idem before Christmas.

 

A letter has arrived this morning asking us to get in contact with them because they've not received any payments since beginning of November.

Do I just ignore this?

HELP!

 

Thanks :-)

- BlondieGirl

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you want them to default you...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

You're right - I do :-)

 

Ideally that would be my 2nd choice - 1st choice would be to get the same as the other member on here who ceased payments and eventually Idem wrote the debt off and wiped all data from the CRAs (but better than what we have now). I assume I just ignore the letters?

 

I thought that only MBNA can DF?

- BlondieGirl

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we've already covered that numerous times...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 3 weeks later...

Hi everyone,

 

Trying to get our credit files back on track and have all DFs accounts removed apart from Idem who don't give a damn.

 

I called Stepchange telling them to cease payments to Idem. We haven't paid Idem now for 3 months now and have received letters asking us to contact them (we haven't).

 

However, Idem is reporting the same accounts as either DM or AR depending on who they're reporting to. I believe they should be reporting DM on all the 3 accounts as per the ICO's guidelines because we are on a plan (even though they refused to accept reduced payments).

 

So, in terms of trying to get this DF, wouldn't DM markers be better? If DM markers are reported, and after months of non-payment, wouldn't this show that they're incorrectly reporting and that we've actually DFd?? AR simply show that we're in arrears, which they believe we are (even though I've argued that after years of AR we actually have DFd).

 

TY

- BlondieGirl

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let it run

you might even get a defaulted date in the summary

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

You need to be patient for another 3to 4 months

and then lodge the complaint

 

As dx says let it run

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 months later...

We stopped paying Idem last November 6 months ago (pretty sure November they didn't get a payment).

They're still reporting us as either AR or DP.

Clearly we're not on a plan and I question the whole notion or reporting in arrears when we've DFd on payments.

 

Do I still continue to let this run for longer, or lodge a complaint with Idem?

They've written once to say they didn't get a payment and to call them (we didn't).

Edited by dx100uk
format

- BlondieGirl

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well going by their past letters did they not sometime back threaten to default you....?

its only just 6mts so let it run some more

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

No, they have never mentioned DF before - I would have been ecstatic because at least that's a step towards a clean credit report! They maintain that they can report AR until I die.

 

They're reporting DP to 1 CRA and AR to another. Not true in either case.

- BlondieGirl

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Can we have those scans we asked for please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

You certainly don't wait to cease payments, this should be done asap

 

What you are looking for are any regulatory breaches in the handling of the account

 

However once you cease payments you will have plenty of time

as you will have to sit on your hands for a few months

in order to let them incriminate themselves

 

Forget about the credit agreements for now, we can have a look when they reply to your cca requests

 

It would be useful if you could upload minus personal details

 

The narrative from the MBNA SAR for the few months prior to the sale to Idem

The narrative from the Idem SARs

and any letters sent by you to Idem and their replies

 

 

this one

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

About another 3 months before complaint, let them really hang themselves

 

It would be extremely useful if you would post up the above

 

The answer may lie in the comms logs

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I have scanned all the pages - there are hundreds of them, so I will sit down and blank out personal data.

 

As a side question, if I were to offer Idem to settle, but only if they delete the account from our credit records, what would be a 'sensible' amount (assuming they agree)? 50% offer? I am likely to come into a sum of money, and as our main goal is to move ASAP this may be the quickest way to clean up files. So rightly or wrongly, I will need to explore this.

- BlondieGirl

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only really interested in the comms/account log

ie their written notes/comments about it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks, but that doesn't answer my valid question. I have many scans to go through, so in the mean time......

 

Can someone help advise please?

 

*if* I were to offer Idem to settle, but only if they delete the account from our credit records, what would be a 'sensible' amount (assuming they agree)? 50% offer? I am likely to come into a sum of money, and as our main goal is to move ASAP this may be the quickest way to clean up files. So rightly or wrongly, I will need to explore this.

- BlondieGirl

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lets see what the comm log gives us

no never F&F that high

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

thank you

thread tidied

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

did you ever send an sar to MBNA?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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